The Underinsured Motorist

The insured was driving to work when he was hit head-on by another driver who wasn’t paying attention and accidentally crossed the center line on German Town Road.  The insured had to be pulled from his vehicle by the “jaws of life” and was life-flighted to Emanuel Trauma Unit.  He sustained a “pilon” fracture of his ankle, tibia and fibula.  This means his ankle was hit hard and piled up into the rest of his leg, resulting in numerous breaks in the left leg.  It also fractured his left femur which required open reduction and internal fixation surgery.  He spent nearly a month in the hospital and underwent 4 surgeries.  The insured had medical bills of approx $250,000 before he left the hospital.

The driver of the at-fault vehicle had only minimum limits of $25,000 which were immediately tendered.  The value of this claim is likely in excess of $1 Million.

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